Financing, Subsidised loans
Benefits across the board, How you and your company can benefit from subsidised loans
Diverse programmes
As your principal bank, we can offer you all the benefits of the state development and promotional bank programmes.
Tailor-made financing
We specialise in securing subsidised loans and in structuring financing to your exact needs.
Planning security
With long-term maturities and fixed conditions, you will have a solid foundation for planning, allowing you to focus even more on your core projects.
Application made easy, Get your subsidised loans in four easy steps
Planning your investment project
You plan your investment project and tell us your objectives and requirements.
Analysing possible subsidy options
We identify the subsidies that best fit your ideas and plans.
Developing a financing structure
We work closely with you to develop a customised financing structure that will allow you to achieve your plans and objectives.
Comprehensive support
We are on hand to advise and support you throughout the entire process.
Your contacts
Competence Team Head
Jens Sossong, Hamburg
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Northern/Western Region
Doris Baum, Dusseldorf
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Marco Mäurer, Dusseldorf
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Central/Eastern Region
Mattias Burkhardt, Frankfurt
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Hans-Ulrich Wrege, Frankfurt
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Southern Region
Veit Schweiger, Munich
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Alexander Karius, Munich
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Stefan Riedler, Stuttgart
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Frequently asked questions
At Commerzbank, the term “subsidised loans” refers to repayable loans from international, national and regional development and promotional banks. We do not advise our clients on allowances (e.g. from regional research funds) ourselves but have a network of consulting companies that are active in this area. Talk to us to find out more.
In principle, all types and sizes of companies are eligible for subsidised loans. Please contact our specialists for more details.
There are many different options in Germany, both at federal and state level. Our specialists have many years of experience and can provide expert advice on the various funding programmes. Please feel free to contact our regional subsidised loan specialists.
In some funding programmes, German companies – together with their branch offices, subsidiaries and in some cases even majority-owned joint ventures abroad – can access public funding. Please contact your regional subsidised loan specialists to find out more.
No, applications for subsidised loans must go usually through the applicant’s principal bank. This means that your financing applications will be submitted and overseen by Commerzbank in its capacity as your principal bank.
We prepare your formal application with you, then forward it electronically to the relevant development and promotional bank. Once this has been approved, we conclude a corresponding loan agreement with you. Our subsidised loan specialists will be happy to assist you during this process.
As a general rule, it must be submitted before the start of a measure, i.e. typically BEFORE signing a contract. Please discuss the details with your regional subsidised loan specialist.
State aid refers to the financial benefits that are attributed to you when you receive subsidies. These are limited in amount depending on the project. For further information on this topic, please talk to our subsidised loan specialists.
Yes, different subsidies are available for developing and using energy-efficient technologies. Feel free to contact our regional subsidised loan specialists for further details.
As a rule, subsidised loans usually involve reduced interest rates. However, subsidies may also be provided in the form of (redemption) allowances and/or the pledging of collateral.
Most subsidised loan options are project-based, meaning that there is no limit on the number of applications.
The use of any subsidised loans received must be documented and reported to the funding provider. Most programmes have standardised forms for this. Our regional subsidised loan specialists will be happy to advise you further.